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Karen Pauli
Research Director, Insurance
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Karen Pauli is a Research Director in the insurance practice at TowerGroup. She covers a wide range of topics in property and casualty insurance, specializing in distribution, underwriting, claims, predictive analytics, core systems, and business optimization.

Before joining TowerGroup, Karen was assistant vice president at OneBeacon Insurance, formerly Commercial Union. Besides directing development projects involving automated underwriting, predictive technologies, and agency point-of-sale functionality, she led product development projects, legislative compliance efforts, and underwriter training. Previously she headed the underwriting audit function in the home office of Crum & Forester, establishing measures and conducting field reviews. Her first assignment at that company was a regional underwriting manager, responsible for profit and loss in 12 states and a staff of 100; she also was involved in the development of agency management tools and served as a claims technical consultant. She began her career in insurance at Safeco in personal lines underwriting, managing a team of underwriting professionals and responsible for territorial profitability.

Karen is a frequent speaker at insurance industry conferences and is regularly featured in industry periodicals. A graduate of Bradley University, she has a B.S. in history.

Featured Reports

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Insurance Claims Operations: Walking a Tightrope Between Expense Reduction and Customer Satisfaction
July 5, 2010

P&C Insurance Product Pricing: Near Historic Reinsured First Quarter Losses Herald Change
June 14, 2010

Insurance Direct-to-Consumer Channel: Great Possibilities and Even Greater Perils
May 10, 2010

Microinsurance: Can A $1.00 Premium Represent Both Market Opportunity and Lessons in Innovation?
March 8, 2010

Insurance Consumer Advocates: On Point or Obsolete?
January 11, 2010

Survival of the Independent Insurance Agent and Broker in 2010: Time for Tradition or Transformation?
December 21, 2009

2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Insurance
December 14, 2009

Takaful: Global Opportunities in Islamic Insurance for Carriers
October 5, 2009

Customer Lifetime Value: Can Insurance Carriers Bring Home the Love?
July 13, 2009

Transformational Technology and Organizational Change: Insurance Carriers' Chicken-or-Egg Question
May 25, 2009

Global Catastrophe Management: Coping with Growing Exposure and Less Financial Backing
April 20, 2009

Insurance Personal Lines E-Commerce: What Do Consumers Really Want, and Is It Being Delivered?
January 19, 2009

Two Things That Could Make Matters Worse for the US P&C Insurance Industry
January 5, 2009

Financial Services Crisis Litigation: Is There a Light at the End of the Tunnel for Insurers?
December 29, 2008

Product and Operations Changes for Success in Selling Insurance to US Hispanic and Asian Populations
November 17, 2008

2009 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Insurance
November 3, 2008

US Immigrants Represent Marketplace Opportunity for Insurers That Respond to Cultural Differences
September 15, 2008

Aligning Business Continuity Planning and Risk Management Strategies in the Insurance Business
September 15, 2008

Next-Generation Annuity Straight-Through Processing: NAVA/IBM Common Reference Architecture Model
August 11, 2008

P&C Insurance Billing and Payments: Merely "Lights On" or Competitive Advantage?
August 4, 2008

US Insurance Producer Licensing and Onboarding: Do You Know Where Your Agents Are?
July 14, 2008

Mobility Enables Customer Relationship Management Applications in Insurance Distribution
June 2, 2008

Paulson's Blueprint for Insurance: A Rallying Cry for the Optional Federal Charter?
May 5, 2008

Actionable Information in Insurance: Making Data Speak Louder than Words
April 7, 2008

Nonpublic US Insurance Carriers Face Increased Regulation: Will It Protect the Public or Powerbases?
March 24, 2008